Hawthorn Bancshares, Inc. logo

Hawthorn Bancshares, Inc.

HWBK

NASDAQFinancial ServicesBanks - Regional

Previous close

$39.215

−$0.225 · -0.57%

Aug 21, 4:00 PM ET

HWBK company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

71

Undervalued

Momentum

56

Neutral

Sentiment

70

Bullish

Risk resilience

68

Moderate Risk

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Company profile

Company website

Hawthorn Bancshares, Inc. functions as the parent holding company for Hawthorn Bank, which delivers a full spectrum of financial services to both commercial clients and individual consumers. The institution offers various deposit accounts, such as checking, savings, money market, and individual retirement accounts, in addition to time deposits and certificates of deposit. Its lending portfolio encompasses commercial and industrial financing, personal installment and single payment loans, consumer credit, and both commercial and residential real estate loans. Furthermore, Hawthorn Bank provides specialized financing for equipment, operating capital, and Small Business Administration (SBA) loans. Customers also have access to debit and credit card services. Beyond conventional banking, the company furnishes trust services, including estate planning, investment management, and asset supervision. Other available resources include cash management solutions, secure safety deposit boxes, brokerage facilities, and convenient internet banking. The bank maintains a presence across Missouri with 23 branch locations, serving communities such as Jefferson City, Columbia, Clinton, Warsaw, Springfield, St. Louis, and the broader Kansas City metropolitan area. Hawthorn Bancshares, Inc. traces its origins back to 1865 and is headquartered in Jefferson City, Missouri.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Brent Giles
Listed since
Jul 20, 1999
Employees
269

Market position

Day range

Current $39.215

52-week range

Current $39.215

Open
$39.58
Previous close
$39.44
Volume
9.94K
0.78× average
Average volume
12.68K
Average daily volume
Market cap
270.61M USD
Beta
0.47
Market reference 1
50-day average
$38.8752
+0.87% above average
200-day average
$35.195
+11.42% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
293.91M USD
P/E (TTM)
10.27×
P/B (TTM)
1.48×
P/S (TTM)
2.32×
EV / EBITDA
9.38×
Earnings yield
9.76%
Free cash flow yield
9.37%
Dividend yield
2.09%

Profitability & efficiency

Gross margin
73.12%
Operating margin
27.81%
Net margin
22.69%
Return on equity
13.66%
Return on assets
1.26%
Return on invested capital
6.99%

Financial health

Debt / equity
0.46×
Current ratio
0.11×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends104%67%29%-9%Gross margin, FY2021: 94.83%Gross margin, FY2022: 88.47%Gross margin, FY2023: 60.02%Gross margin, FY2024: 65.55%Gross margin, FY2025: 71.33%Operating margin, FY2021: 34.67%Operating margin, FY2022: 30.15%Operating margin, FY2023: 0.49%Operating margin, FY2024: 20.39%Operating margin, FY2025: 25.96%Net margin, FY2021: 27.67%Net margin, FY2022: 24.94%Net margin, FY2023: 1.09%Net margin, FY2024: 16.65%Net margin, FY2025: 21.23%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 94.83%. Gross margin FY2022 88.47%. Gross margin FY2023 60.02%. Gross margin FY2024 65.55%. Gross margin FY2025 71.33%. Operating margin FY2021 34.67%. Operating margin FY2022 30.15%. Operating margin FY2023 0.49%. Operating margin FY2024 20.39%. Operating margin FY2025 25.96%. Net margin FY2021 27.67%. Net margin FY2022 24.94%. Net margin FY2023 1.09%. Net margin FY2024 16.65%. Net margin FY2025 21.23%.

Income trends

Revenue

112.08M USD+2.20%

Operating income

29.1M USD+30.15%

Net income

23.8M USD+30.37%
Income trends across reported periods123.25M USD78.59M USD33.93M USD−10.73M USDRevenue, FY2021: 81.39M USDRevenue, FY2022: 83.22M USDRevenue, FY2023: 87.96M USDRevenue, FY2024: 109.67M USDRevenue, FY2025: 112.08M USDOperating income, FY2021: 28.21M USDOperating income, FY2022: 25.09M USDOperating income, FY2023: 432K USDOperating income, FY2024: 22.36M USDOperating income, FY2025: 29.1M USDNet income, FY2021: 22.52M USDNet income, FY2022: 20.75M USDNet income, FY2023: 956K USDNet income, FY2024: 18.26M USDNet income, FY2025: 23.8M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 81.39M USD. Revenue FY2022 83.22M USD. Revenue FY2023 87.96M USD. Revenue FY2024 109.67M USD. Revenue FY2025 112.08M USD. Operating income FY2021 28.21M USD. Operating income FY2022 25.09M USD. Operating income FY2023 432K USD. Operating income FY2024 22.36M USD. Operating income FY2025 29.1M USD. Net income FY2021 22.52M USD. Net income FY2022 20.75M USD. Net income FY2023 956K USD. Net income FY2024 18.26M USD. Net income FY2025 23.8M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue112.08M USD109.67M USD87.96M USD83.22M USD81.39M USD
Cost of goods sold32.14M USD37.79M USD35.17M USD9.59M USD4.21M USD
Gross profit79.95M USD71.88M USD52.79M USD73.63M USD77.18M USD
Selling, general, and administrative28.91M USD27.55M USD30.49M USD28.59M USD28.88M USD
Operating expenses50.85M USD49.52M USD52.36M USD48.54M USD48.97M USD
Interest income97.66M USD94.79M USD91.53M USD68.99M USD64.15M USD
Interest expense31.78M USD36.76M USD32.83M USD10.49M USD5.91M USD
Depreciation and amortization2.24M USD1.65M USD2.11M USD2.14M USD2.28M USD
Operating income29.1M USD22.36M USD432K USD25.09M USD28.21M USD
Net income23.8M USD18.26M USD956K USD20.75M USD22.52M USD

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
1.06

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates1.10.940.780.62Q1 '25Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q1 2025, reported Jan 22, 2025: actual 0.66, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Mar 17, 2025: actual 0.66, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Apr 30, 2025: actual 0.77, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 30, 2025: actual 0.88, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Oct 29, 2025: actual 0.88, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 28, 2026: actual 0.9, estimate —, surprise —, Comparison unavailable. Q2 2026, reported Apr 29, 2026: actual 0.98, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 29, 2026: actual 1.06, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates31.17M29.35M27.54M25.72MQ1 '25Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q1 2025, reported Jan 22, 2025: actual 27.61M USD, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Mar 17, 2025: actual 27.45M USD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Apr 30, 2025: actual 26.92M USD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 30, 2025: actual 27.46M USD, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Oct 29, 2025: actual 28.82M USD, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 28, 2026: actual 28.89M USD, estimate —, surprise —, Comparison unavailable. Q2 2026, reported Apr 29, 2026: actual 28.74M USD, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 29, 2026: actual 29.97M USD, estimate —, surprise —, Comparison unavailable.

HWBK news

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.79

2025 complete year+47.3% since 2021

2026 partial: $0.42

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 15, 2026

$0.21

Quarterly

Record Sep 15, 2026 · Payment Oct 1, 2026

Dividend

Ex-dividend Jun 15, 2026

$0.21

Quarterly

Record Jun 15, 2026 · Payment Jul 1, 2026

Dividend

Ex-dividend Mar 13, 2026

$0.21

Quarterly

Record Mar 15, 2026 · Payment Apr 1, 2026

Dividend

Ex-dividend Dec 15, 2025

$0.20

Quarterly

Record Dec 15, 2025 · Payment Jan 1, 2026

Dividend

Ex-dividend Sep 15, 2025

$0.20

Quarterly

Record Sep 15, 2025 · Payment Oct 1, 2025

Dividend

Ex-dividend Jun 13, 2025

$0.20

Quarterly

Record Jun 15, 2025 · Payment Jul 1, 2025

HWBK peers

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